Analysis On The Influence Factors Of Financial Ecological Environment On The Development Of Rural Banks In Henan Province

In China's rural areas,the financial development is slow and there is a large gap in the rural financial market,resulting in a large number of idle funds in rural areas,unable to realize effective use of funds.The financial concept of "inclusive finance" has been introduced into China,and financial innovation methods that reduce financing costs and meet the needs of more people have become the focus of many people.In recent years,rural Banks have developed rapidly with the support of policies.With the introduction of relevant policies,the threshold for rural Banks to enter rural areas has also been lowered.This article mainly from the perspective of financial ecological status of the development of village Banks in Henan province,found that the slow development of rural Banks in Henan province of internal and external factors,to explore the factors affecting the development of its,using the analytic hierarchy process(ahp)in the form of on impact factor weighting analysis,thus it is concluded that the main factors that influence its development,and put forward the corresponding policy recommendations on the development of village Banks in Henan province.This paper analyzes the development factors of rural Banks in Henan province from the perspective of financial ecology.Financial ecological environment theory is the relationship between financial development and its development environment,various financial organizations in the rural economic development environment,fighting for survival and development of the division of labor,cooperation,forming a balance system.Village Banks as a new type of financial institutions,in the face of the main object and city commercial bank is different,it mainly solve the financing difficulty of rural areas,the problem of high credit risk,which provides a new channel for the rural financing,the innovation of rural financial institutions,the new rural construction is of great significance.By Henan province in this paper,the study found that the current financial ecological environment development speed slow,main problem is the market positioning is not clear,product innovation degree is not high,the imperfection of the risk management ability,society were low.Based on the main part introduces the development under the background of financial ecology village Banks in Henan province,Henan and Sichuan province's financial ecological environment difference compared with development of village Banks and rural Banks in Henan province has a problem.The fourth part puts forward the development factors of rural Banks in Henan province under the financial ecological environment,including economy,policy,and credit environment,and management and governance structure.The influences of internal and external financial environment on the development speed and direction of rural Banks in Henan province were analyzed.In the fifth part,ahp is used to analyze the weight of the factors influencing the development of rural Banks in Henan province.Determine the financial ecological environment's influence on the development of rural Banks in Henan province is along with the rural economic level,the improvement of management structure,internal and external environment,the rapid development of village Banks as a whole,the number of institutions,assets are on the rise,the market positioning is also more clear.Finally summarized above all the factors,it is concluded that the external environment of the rural economy level of development the biggest impact of the development of village Banks to the conclusion that the development of rural Banks in Henan province finally the effectiveness of the countermeasures,namely,optimize the financial ecological environment in Henan province,'sheng silver cooperation new operating model,to strengthen the construction of its own and diversification,and strengthen the risk management ability.